Analysis On Financing Difficulties Of Small And Medium - Sized Enterprises In China From The Perspective Of HXLC

Since reform and opening up, China’s small and medium-sized enterprises (smes) are playing an increasingly important role in the national economy, shows the development of a robust posture, especially in the increase employment, promote urbanization and maintaining social stability has played an irreplaceable advantages, but the bottleneck of restricting our small and medium-sized enterprise development, the financing difficult problem, has not been solved substantial, in particular, large enterprises have more and more broad the financing channels, along with the deepening of financial "disintermediation" phenomenon, Banks’ financing performance is becoming more and more weak, competition between Banks is increasingly fierce, on pure gold digging, the base of large mode of operation have already gone, and now, under the background of new economy development, Banks face transformation is also necessary. Transformation of Banks is not an easy task, however, adjustment, it includes many aspects such as management concept, the customer’s composition, the structure of product innovation, the pattern of credit, etc. This article is under the background of the special economic development, based on commercial Banks, the integrated use of case analysis, comparative analysis, and the combination of theory and practice of research methods, from the perspective of HXLC, analysis of the current small and medium-sized enterprise credit management, the research of small and medium-sized enterprises in the outstanding problems and countermeasures in the process of business development, from the perspective of commercial Banks to solve the financing difficulties of small and medium-sized enterprises set point.This paper innovation points embodied in:small scale of production, management of small and medium-sized enterprises is not standard, poor credit targeted problems, points out that although there are some prominent contradictions, but the number of small and medium-sized enterprises because of the many, it can largely scattered bank credit risk, which can further reduce the cost of default problem again, thus, shift questions about the management idea, actively develop the credit services for small and medium-sized enterprise is the current financial institutions should first consider the problem, it is necessary to put forward the improvement of bank credit to small and medium-sized enterprises in the management of a series of specific operation procedure:first of all, should be pointed out about HXLC service organization system on the status quo of small and medium-sized enterprises, and set up a targeted professional services firm, ensure the effective services for small and medium-sized enterprises, and establish professional marketing and risk management departments alone, more effectively for small and medium-sized enterprise development and potential risks for customers in a timely manner to prevent and control. Second, HXLC approval process, need effective control, in particular, the effective prevention of small and medium-sized enterprises under the premise of the potential credit risk, to all the business of small and medium-sized enterprises, and, in this process, the Banks need to do as far as possible to simplify examination and approval of link to ensure efficient work, reduce the pressure of customer manager job, improve marketing staff development initiative and enthusiasm of the small and medium-sized enterprise customer, meet the credit needs of small and medium-sized enterprises. Third, in view of the HXLC assessment mechanism is not reasonable, a series of problems. Because, in the small and medium-sized enterprises, individual enterprise loan funds will be small, but risk is high. So cause bank customer manager’s workload will be a big, show the Banks pay and reward ratio. Therefore HXLC shall establish and perfect the evaluation system of assessment index. The indicators should be based on the number of small and medium-sized enterprise loan and loan amount. The fourth, the current bank not all-round multi-angle to reflect the potential risk of small and medium-sized enterprise credit rating, proposed HXLC set up and improve the independent credit rating system for small and medium enterprises, it is very necessary. The system need to specific credit rating index, score and standard, the score range, score range needs to include the production and operation situation of small and medium-sized enterprises, as well as the operator’s personal information and so on. Fifth, compared with large enterprises, small and medium-sized enterprises exist lower fixed assets, and the less financing bank’s common problems. Also, small business loans overdue happened, the consequences are serious and even despair. Because in this case, the small and medium-sized enterprises want to repay the debt to sell or fixed assets to other bank financing channels is almost impossible. HXLC, therefore, should establish and perfect the specialized risk classification system for small and medium-sized enterprises and provisioning system, put forward the related special policy, to solve the problem of non-performing loans of small and medium-sized enterprises, using promptly in verification system about non-performing loans, after a full provision for loan loss provisions, with the fastest speed transfer of non-performing assets in a timely manner. Transfer scheme including cooperation with third party solve the problem of non-performing assets, and cancel after verification of bad assets directly. In addition, about the small and medium-sized enterprise internal information data of a series of opaque, this may cause, for guarantee company, high-risk issues. Put forward about the construction of multi-level re-guarantee system.to guarantee companies, as well as suggested by the government, establish a database query system for small and medium-sized enterprise credit, to solve the problem of small and medium-sized enterprise internal information opaque and to a certain extent, reduce the risk of guarantee.